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credit score gone down from getting a credit card ???
i am looking to get a morgage in the next 6 months. unfornatly looking at my credit score i have an un paid phone bill (which i have sorted now) and not on electro roll (will be on in december) my score isnt great from these two things but i have always paid phont/car/subscriptions from my bank and apart from that phone…
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is my information correct?
Hello all and thank you for reading I am trying to get myself sorted ahead of applying for a divorce. I logged on to the land registry today to check out charges on my house. as well as the mortgage provider I was expecting to see one other which ends in January thankfully. However I was surprised to see a charge from…
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Credit Rating for an EE phone contract?
Hey guys. I fancy the new iPhone, but I've had problems with debt in the past. For the past 5 years I've been with StepChange and paying off my debts, I've not had any credit until this year where I got a builder credit card (aqua). I've raised my credit score to 306 now, but I'm worried about being declined and taking a…
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credit rating
hi my son and wife tried for a mortgage and where declined as there credit rating was low and they needed 15% deposit which they havent got they where told because they hadn't had a loan on a credit card and repaid itthat is why they needed 15% deposit but if they had multiple loans with a credit union and repaid them all…
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Does having a current account with a building society affect my credit score?
Hi all, I am looking to increase my credit rating as I am looking to buy my first home. I have noticed my building society current account does not show on my credit score, only my Barclays one. My Barclays account is a graduate account that I have my student overdraft in which I am slowly paying off every month. I get…
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Free Credit Reports
GiffGaff gives free access to Callcredit where your data is updated every day. Are there still bank accounts or credit cards that give free access to daily updated credit reports?
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Equifax Scandal Has it gone too far?
You might have heard about the Equifax Data Giveaway scandal forums.moneysavingexpert.com/showthread.php?t=5710019 However, there is something you might not have heard "Three Equifax Inc. senior executives sold shares worth almost $1.8 million in the days after the company discovered a security breach that may have…
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Equifax Argentina head office log in was admin, password admin.
I have just read a news report which I find so ridiculous I had to share it....Can you believe that the equifax team in Argentina had their log in as ADMIN and password as ADMIN. I mean, really?! I think every single member of managment who used that log in or was aware of it needs sacking. You cannot retrain stupidity. I…
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Cannot access equifax log in page
For about the last 4 days I have been unable to even load the page to log into equifax. Every other Internet site I go on is working. Equifax will come up but when I click on 'login' it just loads forever and never connects. If I click that I am a new user, that page loads. I have just paid my first month as well. :mad:
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Need advice please
Hi Everyone, I have recently taken a Loan, to consolidate debt on two credit cards. Now I have cleared the debt on the two cards my credit score has gone up a little. :T The question I have is now they are at zero, would it be more beneficial for my score to close the accounts, or leave them open? I have no plans to use…
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Follow up
Hi, I've sent a prove it letter to Lowells last week regarding an old debt I know nothing about. What are the next steps? Do I follow this up with another letter, if so what content should it have? If they can't prove it would they remove the default off my file without another prompt? If they can or can't prove it would…
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Current Account not showing on credit report
I use the following CRA's ; ClearScore (using Equifax data) noddle Experian None of these list my current account (with barclays). I have asked each CRA to do whatever is necessary to show this on my report, but they all come back saying they find no record of the account. I have been on to barclays, and they say this is…
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debts and stepchange
Hi, My credit score is shooting up on Experian. Now 608 was 99 in Jan17. I entered stepchange debt plan 2 years ago. all my debts that are in the debt plan are not showing on experian. Why would this be???
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Paying debts off over next few months with !!!!!!
Hi I have approx £2700 in debt showing on my noddle account, most of are in default and dating back to 2013. There are 9 different debts range from £43 up to £543. I want to pay them off so I can clear my debt and start saving for my own home. What I was thinking of doing is taking £500 a month over the next and making…
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Previous debtor was at my address
Hi all, I'm new today. I have a question and wondered if anyone can give me some advice please. I moved into my rented house a year ago. Ever since then I have been receiving debtors letters for previous tenants. I have phoned the companies involved as I have no idea where these previous tenants are, to tell them so. I…
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CCJ - three years on!
Hi all, Hoping someone may be able to help. I owe Lloyds TSB roughly £1000 which was debt I got myself into in 2012. I didn't pay any back and it got sent to Cabot Financial. i agreed a payment plan with them in 2013 but they applied for a CCJ. When I received the claim, I submitted a defence admitting that I owed the…
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DMPs
Please can anyone confirm this from a website I have been reading? Can a DMP affect the people that I live with? Your credit history is likely to be affected by being on a DMP but it will not affect the people that you live with unless you have joint financial products. This would be something like a loan, bank account or…
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What lenders see on my credit report?
Does any body know if lenders see the source of linked addresses (i.e. Former creditors) on my Experian credit report?
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Unfair default from Vodafone on credit report
Hi, I have recently been trying to obtain a mortgage as my growing family needs a bigger house, unfortunately due to a Vodafone default on my account from 3 years ago I am struggling.. The account is now fully satisfied and would of been instantly if the advisors I was talking to at the time, within Vodafone had of done…
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Previous address linked 14 years after moving
An old address that I moved from over 14 years ago has been linked to my current address, after opening a Santander Credit Card. Why would they link my old address so many years after I moved? Its not a problem - there's no old debts or anything. Just curious more than anything else.
